credit risk manager

Bravo

<div><h4 class="jobSectionHeader">Job Purpose</h4>
The Credit Risk Manager will be responsible for analyzing, monitoring, and managing the credit risk exposure of Bravo&rsquo;s consumer finance portfolio. The role involves developing credit risk models, supporting policy formulation, conducting portfolio reviews, and providing actionable insights that enhance risk strategy and ensure compliance with regulatory standards.<h4 class="jobSectionHeader">
Key Responsibilities</h4><ul><li>
Develop and maintain credit risk models, scorecards, and risk assessment methodologies.</li><li>
Monitor credit portfolio performance, delinquency trends, and default patterns.</li><li>
Perform stress testing and scenario analysis to assess portfolio resilience.</li><li>
Recommend changes to credit policy, risk appetite, and approval criteria based on data insights.</li><li>
Support new product launches with credit risk assessments and portfolio impact analysis.</li><li>
Prepare and deliver regular risk reports and presentations to senior management.</li><li>
Collaborate with MIS, Collections, and Business teams to align on risk strategies.</li><li>
Ensure compliance with FRA regulations and internal risk frameworks.</li><li>
Mentor junior analysts and contribute to building analytical capabilities within the risk team.</li><li>
Develop and implement fraud detection and mitigation strategies to safeguard the portfolio.</li></ul><ul><li> 
Bachelor&rsquo;s degree in Economics, Statistics, Finance, Business, or related field.</li><li>6+ years of experience in credit risk management or portfolio analytics in Consumer Finance, Banking, or FinTech.</li><li>Strong knowledge of credit risk concepts, policy formulation, and portfolio monitoring.</li><li>Experience with BI and reporting tools (Power BI, Tableau) is preferred.</li><li>excel</li><li>Excellent analytical, problem-solving, and quantitative skills.</li><li>Strong stakeholder management and communication skills.</li><li>Ability to work independently and manage multiple priorities under tight deadlines.</li></ul></div>

Credit Risk Manager

EMKAN | إمكان

<div>
 
 Job Brief:
 
 
 This role is pivotal in driving the design, development, implementation and maintenance of mission-critical financial systems, including loan origination, credit scoring, and core lending platforms. This role demands a deep understanding of software engineering best practices, systems architecture, secure coding, and experience in delivering robust, scalable, and high-performance solutions within the financial services domain. The ideal candidate will possess a blend of technical expertise, strategic vision, and leadership acumen.
 
 
 
 
 
 Responsibilities:
 
 <ul>
 <li>
 Manages the process of identifying and assessing the risks affecting the credit Risk.
 </li>
 <li>
 Assists in developing mitigation strategies for risks related to Loan origination and monitoring these risks.
 </li>
 <li>
 Ensuring lending process are in line with all regulations in place.
 </li>
 <li>
 Review of Credit Applications to be forwards for Chief Risk Officer as per underwriting policies in place and analyses all expectations shared with the CRO
 </li>
 <li>
 Ensuring consistency in evaluation and reporting of Risk.
 </li>
 <li>
 Producing the risk reports to all stakeholders on a regular basis.
 </li>
 <li>
 Organizes appropriate risk reporting, internally and externally.
 </li>
 <li>
 Gathering, reviewing and analysing evidence to build an awareness and understanding of changes taking place, or proposed to all related stakeholders.
 </li>
 <li>
 Document, and ensure communication of key risks. Maintains the communications channel with operations
 </li>
 <li>
 Maintain input or data quality of risk management systems.
 </li>
 <li>
 Monitoring of external indicators and market developments.
 </li>
 <li>
 Performs testing for New Products and performs PIV for every change in the Core system / Decision engine
 </li>
 <li>
 Ensuring of escalation mechanisms are established and are being used
 </li>
 <li>
 Maintain input or data quality of risk management systems.
 </li>
 <li>
 Monitoring of external indicators and market developments.
 </li>
 <li>
 Performs testing for New Products and performs PIV for every change in the Core system / Decision engine
 </li>
 <li>
 Ensuring of escalation mechanisms are established and are being used
 </li>
 <li>
 Manage employee performance and development by assigning individual performance targets and development objectives at least on an annual basis.
 </li>
 <li>
 Direct and supervise the activities and work of subordinates by providing formal and informal feedback regularly and on a timely basis, to ensure that all work is carried out in an efficient manner and in accordance with set individual targets
 </li>
 <li>
 Adherence to all regulations and control function within the company in order to ensure that governance, Audit, risk and compliance matters are carried out.
 </li>
 <li>
 Fully adherence to the cybersecurity policies, processes, standards and regulations.
 </li>
 <li>
 Ensure preparation of reports in a timely and accurate manner to meet the departmental requirements.
 </li>
 <li>
 Responsible for confidentiality of EMKAN&rsquo;s at during employment with EMKAN.
 </li>
 </ul>
 
 
 
 
 Qualification and Experience:
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Finance, Business Administration, or any other relevant field (Master&rsquo;s degree is preferred).
 </li>
 <li>
 Minimum of 6-8 years of relevant experience.
 </li>
 <li>
 Prior Experience in lending products.
 </li>
 <li>
 Prior Experience in Auto lease, Credit Cards and SME
 </li>
 </ul>
</div>

Credit Risk Associate Manager

GitMax

<div>
 
 Our hiring partner, a leading financial institution in Qatar, is seeking an
 
 Export Risk Manager (Banking)
 
 to join their Risk Management team. This role will be central to shaping and maintaining export credit risk frameworks, ensuring compliance with local and international standards, and safeguarding the bank&rsquo;s external exposures. The successful candidate will bring strong expertise in export financing, credit insurance, and risk modelling, along with solid knowledge of the regional and global regulatory environment.
 
 
 
 
 
 
 Location: Doha, Qatar (on-site)
 
 
 
 
 
 
 
 Key Responsibilities
 
 
 <ul>
 <li>
 Develop and implement policies, frameworks, and procedures related to export financial risk, including suppliers&rsquo;/buyers&rsquo; credit and credit insurance.
 </li>
 <li>
 Define and monitor the Export Credit Risk Appetite Statement, setting risk tolerances, limits, and KRIs.
 </li>
 <li>
 Assess country, sovereign, geopolitical, and transfer risks for all export-related exposures and financing.
 </li>
 <li>
 Support pricing and risk modelling functions for export financing and insurance products.
 </li>
 <li>
 Oversee the use of risk models (rating, scoring, pricing) and ensure alignment with governance and compliance standards.
 </li>
 <li>
 Provide functional support to business and credit teams in export rating and pricing.
 </li>
 <li>
 Prepare and present regular and ad-hoc risk reports to senior committees (ALCO, Board, etc.).
 </li>
 <li>
 Monitor buyers&rsquo; credit and export credit portfolios against QCB limits, country exposure thresholds, and obligor caps.
 </li>
 <li>
 Contribute to the design and review of new export financing product term sheets.
 </li>
 <li>
 Lead the creation, update, and implementation of Export Risk and Credit Insurance policies, SOPs, and frameworks.
 </li>
 <li>
 Ensure compliance with QCB circulars, regulations, and internal risk policies.
 </li>
 <li>
 Uphold information security policies, protect client data, and proactively report any security incidents.
 </li>
 </ul>
 
 
 
 
 
 Qualifications &amp; Experience
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Finance or a related discipline (Master&rsquo;s preferred).
 </li>
 <li>
 8+ years of relevant experience in Export Financing at a leading bank.
 </li>
 <li>
 Previous experience in an Export Credit Agency or EXIM Bank is an advantage.
 </li>
 <li>
 Strong knowledge of Qatar&rsquo;s regulatory landscape and economic environment (preferred).
 </li>
 <li>
 Professional certifications such as FRM (Financial Risk Manager) are highly desirable; ESG certification is a plus.
 </li>
 </ul>
 
 
 
 
 
 Skills &amp; Competencies
 
 
 <ul>
 <li>
 Advanced proficiency in English; Arabic proficiency is an advantage.
 </li>
 <li>
 Strong analytical and risk assessment skills with proven ability to manage complex portfolios.
 </li>
 <li>
 Excellent stakeholder management, communication, and reporting abilities.
 </li>
 <li>
 High level of integrity and compliance orientation.
 </li>
 </ul>
 
 
 
 
 
 Why Join?
 
 
 <ul>
 <li>
 Opportunity to play a pivotal role in shaping export credit risk policies at a national financial institution.
 </li>
 <li>
 Exposure to international risk management standards and export financing practices.
 </li>
 <li>
 Attractive compensation and benefits package.
 </li>
 <li>
 Career growth in one of the region&rsquo;s leading banks.
 </li>
 </ul>
</div>

Export Risk Manager (Banking)

American Express

<div>At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career.
Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.
How will you make an impact in this role?
Responsible for contacting clients with overdue accounts to secure the settlement of the account. Also they do preventive work to avoid future overdues with accounts that have a high exposure.
Functional Description:
 
The India Consumer CFR team owns the credit loss provision for the consumer portfolio in India. The position is to lead the Customer Management function within the Consumer CCO team, and would entail partnering with the CFR CoE teams to develop superior credit risk capabilities and strategies. The role requires a close collaboration with Business and Operations teams to drive growth in the market and maintain customer experience, all while partnering with legal, compliance and second line teams to ensure regulatory compliance at all times. Additionally, the role with also require to partner with external vendors to develop and implement the next generation of credit risk capabilities in the India market.
Responsibilities:
<ul><li>Managing credit loss provision for the Consumer Portfolio in India
</li><li>Driving profitable business growth without adverse surprises while providing an outstanding customer experience for consumer customers in India.
</li><li>Support in delivering Project Fusion for India market
</li><li>Partner with Fusion teams to ensure efficient development and deployment of risk strategies in POA vendor systems with minimal impact to credit risk levels in the portfolio
</li><li>Interacting and collaborating with partners across multiple lines of business including marketing, finance, compliance, operations and colleagues in risk centers of excellence to develop, implement and optimise the strategy for risk management processes including deployment of new capabilities
</li><li>Providing strong thought and relationship leadership while working with multiple business partners
</li><li>Maintaining close liaison with market risk colleagues across international risk and partner with them to leverage and translate best practices
</li></ul>Skills &amp; Qualifications
<ul><li>Strong quantitative, analytical, project management and structured problem-solving skills.
</li><li>Ability and willingness to work in a fast-paced environment and on aggressive timelines.
</li><li>Indepth knowledge of Triad, Vision Plus , JOCATA platforms will be preferred.
</li><li>Effective team player and be able to manage multiple projects.
</li><li>Experience in analyzing data, drawing inferences, and making recommendations.
</li><li>Strong relationship management and negotiation skills with an ability to effectively collaborate with multiple stakeholders
</li><li>Thorough understanding of credit card business economics.
</li><li>Candour in communication
</li><li>An advanced quantitative degree in business administration, engineering, statistics, or economics and/or equivalent work experience will be preferred.
</li><li>Developing and maintaining strong working relationships with the credit bureaus, fintechs and other vendors
</li><li>Ensuring compliance with all regulatory requirements through robust risk policies.
</li><li>Continuously strive for excellence and lead with an external perspective
</li>Nurture and develop a high performing team 
<li>
 
</li></ul>We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:
<ul><li>Competitive base salaries
</li><li>Bonus incentives
</li><li>Support for financial-well-being and retirement
</li><li>Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
</li><li>Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
</li><li>Generous paid parental leave policies (depending on your location)
</li><li>Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
</li><li>Free and confidential counseling support through our Healthy Minds program
</li><li>Career development and training opportunities
</li></ul>American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law.
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.</div>

Manager-Risk Management

<div>W ABB pomagamy przemys&#322;owi wyprzedza&#263; konkurencj&#281; &ndash; dzi&#281;ki wi&#281;kszej wydajno&#347;ci i czystszym procesom. Post&#281;p jest podstaw&#261; &ndash; dla Ciebie, Twojego zespo&#322;u i ca&#322;ego &#347;wiata. Jako &#347;wiatowy lider rynku zapewnimy Ci wszystko, czego potrzebujesz, aby osi&#261;gn&#261;&#263; sukces. Nie zawsze b&#281;dzie to &#322;atwe, poniewa&#380; rozw&oacute;j wymaga determinacji. Jednak w ABB nigdy nie b&#281;dziesz dzia&#322;a&#263; w pojedynk&#281;. Kieruj tym, co nap&#281;dza &#347;wiat.
This Position reports to:
Accounting &amp; Reporting Manager - Account 
Your responsibilities<ul><li>
Credit Assessment and Risk Analysis: You will be responsible for evaluating the creditworthiness of customers and assessing their ability to repay their debts. This involves analyzing financial statements, credit reports, and other relevant information to make informed decisions regarding credit limits, terms, and conditions.</li><li>
Credit Policy Development and Implement: You will be responsible to develop and implement credit policies and procedures that align with the company's overall financial goals and objectives (in line with ABB Group Credit Policy). This includes establishing guidelines for credit limits, payment terms, credit terms, and credit terms negotiation.</li><li>
Business Relationship Management: You will be closely working with ABB&rsquo;s Collection Team and ABB&rsquo;s various Business units to build strong relationships and resolve any credit-related issues. This involves effective communication and negotiation to ensure prompt payment and manage any disputes or delinquencies.</li><li>
Collaboration with Sales and Finance Teams: You will collaborate with the sales team to evaluate potential customers and provide guidance on credit terms. Additionally, you will work closely with the Collection Team and Business to reconcile accounts, assess credit risk, and manage cash flow. Conduct Credit Committee Meetings: You will be responsible for conducting periodic credit committee meetings (including preparation of various data required for the meeting), implementation of committee action items.</li><li>
Credit Monitoring and Collections: You will be responsible for monitoring customer accounts to ensure timely payments and manage the collections process for overdue accounts. This includes sending reminders, making collection calls, and coordinating ABB&rsquo;s Collection Team and various Business units, if necessary. Financial Reporting and Analysis: You will be responsible to generate regular reports on credit-related metrics such as accounts receivable aging, bad debt provisions, and collection efficiency. These reports help management assess the overall credit risk and make informed decisions.</li><li>
Perform annual review of all Customers: You will be responsible for review of all Customer accounts and set-up revised Credit Limit, Risk Category, Credit Check rules etc. Living ABB&rsquo;s core values of safety and integrity, which means taking responsibility for your own actions while caring for your colleagues.</li></ul>
Your background<ul><li>
Bachelor&rsquo;s or master&rsquo;s degree in accounting, Business Administration and Finance.</li><li>
0 - 2 years of experience in Credit management in any manufacturing company.</li><li>
Must be flexible in working for any shift timings.</li><li>
Good analytical and communication skill.</li><li>
Must be proficient in MS Office Suite, SAP knowledge is huge plus.</li></ul> 
We value people from different backgrounds. Could this be your story? Apply today or visit www.abb.com to read more about us and learn about the impact of our solutions across the globe.
Fraud Warning: Any genuine offer from ABB will always be preceded by a formal application and interview process. 
We never ask for money from job applicants.
For current open positions you can visit our career website https://global.abb/group/en/careers and apply.
Please refer to detailed recruitment fraud caution notice using the link https://global.abb/group/en/careers/how-to-apply/fraud-warning.</div>

Credit Analyst

Citi

<div><h2 class="jobSectionHeader">Discover your future at Citi</h2>
Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you&rsquo;ll have the opportunity to grow your career, give back to your community and make a real impact.
<h2 class="jobSectionHeader">Job Overview</h2>
Corporate Regional Markets and Public Sector (CRMPS) Underwriting is an integral part of the Institutional Credit Management (&ldquo;ICM&rdquo;) organization. Underwriting&rsquo;s mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Wholesale Credit Risk and Banking&rsquo;s shared commitment to ensuring the safety and soundness of wholesale lending.
Staffers have dual responsibility of setting the direction for and leading the analysts while also acting as an Underwriter for a select number of relationships.
This role has responsibility for a portfolio of Corporates, Financials Institutions and Public Sector relationships in the Middle East and Central Asia. The role reports directly to the Underwriting Sub-Cluster Head for Middle East and Central Asia.
Key Responsibilities:
<ul><li>Accountability for ensuring risk analysis of applicable portfolio is consistent with industry leading practices and conforms to all internal credit procedures/policies, and all related regulatory expectations</li><li>
Undertake account allocation to various underwriters and lead the workflow allocation on a dynamic basis to support timely support to transactions while meeting KPIs on extension rates, past due ratings and past due CCMs.</li><li>
For a select number or relationships, act as the Underwriter working closely with Banking, Product and Risk partners.</li><li>
Continuous engagement with applicable Banking and Independent Risk senior stakeholders in the region to so as to understand any concerns regarding execution of risk analysis and/or emerging risks which will need to be addressed by the team</li><li>
Execute Underwriting Head plans, strategy and objectives for Underwriting</li><li>
Engage in regular dialogue with Underwriters to obtain feedback on analysts and ensure ongoing and timely feedback is provided to analysts.</li><li>
Identifying and delivering on the training needs of the analysts.</li><li>
Coaching of analysts to sustain a strong credit culture and an unwavering commitment to excellence in analysis and execution</li><li>
Partnering with the sub-cluster head and the MEA Underwriting Head on internal projects, transformation / productivity initiatives as well as regulatory remediation efforts. Address and escalate emerging risk concerns and to share best practices</li><li>
Attract, develop and retain top quality staff including as regards active engagement with regional on-campus recruiting efforts to ensure a robust pipeline of talent</li><li>
Support Voice of Employee (VOE) initiatives</li></ul>
Knowledge/Experience:<ul><li>
Demonstratable financial services experience, including 7-10 years of credit experience in Banking, Credit Risk Management or equivalent credit experience</li><li>
Deep knowledge of Wholesale Credit Processes and organizational awareness including Underwriting functions, covered portfolios, and processes</li><li>
Proficient understanding of policies and procedures with the ability to execute change seamlessly</li><li>
Demonstrating the skills aligned with Senior Credit Officer (SCO) designation</li><li>
Excellent and thorough knowledge of Citi&acute;s systems</li><li>
Significant experience in preparing presentations for seniors</li><li>
Outstanding awareness and adherence to the control environment</li></ul>
Skills/Competencies:<ul><li>
Strategic orientation to ensure the Underwriting organization continues to be positioned as a thoughtful and proactive partner on driving best practices to support safety and soundness within ICM and Citi</li><li>
Recognized as a skillful manager with a track record of building high performing teams</li><li>
Proven culture carrier</li><li>
Powerful interpersonal skills, with the ability to build relationships and exert influence with and without direct authority</li><li>
Solid organizational skills with ability and willingness to work under pressure and manages time and priorities effectively with little to no supervision</li><li>
Highly effective written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority</li><li>
Advanced Microsoft Office (Word, Excel, and PowerPoint) skills</li></ul>
Qualifications:<ul><li>
BA/BSc in Finance or Accounting or higher degree in Business (MBA), or any other related subject</li></ul>
-
Job Family Group:
Risk Management
-
Job Family:
Credit Risk
-
Time Type:
Full time
-
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
-
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
-
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. 
 
View Citi&rsquo;s EEO Policy Statement and the Know Your Rights poster.</div>

Middle East ICM Underwriter and Staffer

Human Capital HR Solutions

Key Responsibilities:<ul><li>Conduct credit risk assessments for new and existing clients.</li><li>Analyze financial statements, credit data, and market conditions to evaluate repayment capacity.</li><li>Support in setting credit limits, approving credit facilities, and monitoring exposures.</li><li>Develop and implement credit risk models, scorecards, and stress testing where applicable.</li><li>Ensure compliance with regulatory requirements and internal risk policies.</li><li>Prepare detailed credit risk reports, highlighting exposures, trends, and risk mitigation strategies.</li><li>Monitor portfolio performance, track delinquencies, and recommend corrective actions.</li><li>Collaborate with Relationship Managers, Finance, and Legal teams to mitigate risks.</li><li>Assist in developing and updating credit policies, procedures, and risk appetite frameworks.</li><li>Participate in internal and regulatory audits relating to credit risk.</li></ul>Qualifications &amp; Skills:<ul><li>Bachelor&rsquo;s degree in Finance, Accounting, Economics, or related field (Master&rsquo;s preferred).</li><li>Professional certification is a plus (FRM, CFA, PRM, CA, ACCA).</li><li>1-2 years of experience in credit risk, banking, or financial services (adjust for entry/senior roles).</li><li>Strong knowledge of credit risk assessment techniques, financial analysis, and Basel regulations.</li><li>Proficiency in MS Excel, financial modeling, and risk management systems.</li><li>Excellent analytical, problem-solving, and decision-making skills.</li><li>Strong written and verbal communication skills.</li><li>Ability to work under pressure and meet deadlines.</li></ul>Key Competencies:<ul><li>Risk Assessment &amp; Analytical Skills</li><li>Decision Making &amp; Judgment</li><li>Financial Acumen</li><li>Attention to Detail</li><li>Regulatory &amp; Compliance Knowledge</li><li>Collaboration &amp; Stakeholder Management</li></ul>Job Type: Full-timeWork Location: In person

Credit Risk Management Officer

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